Question to the HM Treasury:

To ask the Chancellor of the Exchequer, if he will bring forward legislative proposals to extend the provisions of section 75 of the Consumer Credit Act to cover creditors that are third-parties.

Section 75 of the Consumer Credit Act 1974 usually only applies when there is a direct transactional relationship between the debtor (the consumer), the creditor (the credit card provider), and the supplier of goods and services.

If a credit card is used to pay for something through a third-party intermediary service, for example a payment services provider, the conditions in section 75 may not be met.

This aims to strike the right balance between consumer protection and proportionate burdens on business, and the Government does not intend to extend the liability of a creditor with respect to suppliers with which it has no relationship or arrangement.